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Time Limited Dog Insurance

What is Time Limited Insurance?

If your dog is ill or starts to show signs of an injury then we can cover that condition for up to 12 months. The maximum amount we will pay for any one condition in 12 months is £3,000.

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We will pay for treatment for up to 12 months regardless of when you took out the policy, providing you continue to pay your premium.

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After 12 months we can no longer pay for treatment for that condition but any new illnesses or injuries can still be claimed for.

For Example

If your dog developed an ongoing condition such as diabetes:

  • If you had 12 month cover for your dog starting in August, and he showed signs of diabetes in November, you can claim for his treatment for this condition until November of the following year (12 months) providing you renew your policy and continue paying your premiums.
  • After this time, all cover for diabetes will stop and this condition will be excluded from your policy.
Time Limited chart
Length of cover for diabetes (years)

What’s Included in Our Vet Fee’s Cover?

Medicine Prescription medications
Cancer Cancer treatments
Dental Dental
Surgery Surgery & rehabilitation
Scans Scans
Illnesses Illnesses

When choosing insurance for your dog, making sure that you have inclusive veterinary fees cover is vital - 98% of the claims we receive are for veterinary fees. However, not all dog insurance offers a broad range of cover for vet fees and there can be limits on the types of treatments you can claim for. It’s important to do your research and read the Terms and Conditions so you know what your dog is covered for.

At Petplan we cover a wide range of veterinary treatments for dogs, these include but are not limited to:


  • Illnesses
  • Accidents
  • Veterinary consultations
  • Scans – MRI, CAT, ultrasound
  • Diagnostic treatments
  • Prescription medications
  • Cancer treatments
  • Complementary treatments e.g. hydrotherapy, herbal medicine
  • Dental treatments (non-routine)
  • Referral to a specialist
  • Surgery and rehabilitation
  • Emergency care

Not covered on our Essential plan

  • Pre-existing conditions- illnesses and injuries or signs of them that started before your policy
  • Any treatment needed for an illness or injury more than 12 months from the first clinical signs
  • Any illness that starts in the first 14 days of your policy
  • Pregnancy and breeding
  • Routine treatments e.g. worming, flea treatment
  • Preventative care e.g. vaccinations
  • Euthanasia and cremation

All our policies are subject to Terms and Conditions, so please read this carefully to understand what you are covered for.

12 month Terms & Conditions

Our 12 Month Plan

Although Vet Fees is an important part of your policy, we have other important benefits included in all our plans.

12 months cover
Product type
Vet cost up to
£12,000 per year
£7,000 per year
£4,000 per year
£3,000 per condition for 12 months
Complementary treatment
£2,000 per year
£1,000 per year
£500 per condition for 12 months
Third Party Liability
£3 millionper incident
£2 millionper incident
£1 millionper incident
Death from illness or injury
£2,000per pet (included as standard)
£1,500per pet (optional extra)
£1,000per pet (optional extra)
Boarding fees
Missing pet advertising & reward
Loss by Theft or Straying
Holiday Cancellation
Quarantine Expenses & Loss of Documents
Emergency Repatriation
Multi-pet discount
Pet Owner Support Package
Pet Bereavement Helpline
Legal Helpline

Excess and Premium Costs

What will my excess be and will my excess change?

Your policy will have fixed excesses that vary depending on factors such as the type of dog you have and the type of plan you choose. To see the excess you would pay it is best to get a quote, but bear in mind this could change at your renewal.

As your dog gets older we typically add a 20% excess when you claim (in addition to the fixed excess). This helps us keep premiums affordable for older pets. For Essential plans this is usually added at their 8th birthday (5th for some breeds). But don’t worry, you will be advised of this change at least a year in advance.

How much does dog insurance cost? Will my premium change?

There are a number of factors that affect how much your dog insurance will cost, such as your dog’s age, breed and where you live. However, your premium is also influenced by increases in veterinary costs and advancements in veterinary medicine. These changing influences mean your premium will increase over the lifetime of your policy. However, Petplan will not increase your premium as a direct result of any claim you make.

Find out more about the costs of pet insurance and what can affect your premium.

Time Limited not what you are looking for?

Find out about our Covered for Life® dog insurance.

Why Choose Petplan?

No hidden limits

No hidden vet fee limits

Choose your preferred vet

Choose your preferred vet

No penalty for claiming

No penalty for claiming

Customer support and bereavement Line

Customer support and bereavement line

Petplan Charitable Trust

Each year Petplan Charitable Trust gives over £800k to support health and welfare of animals

What our customers say about our dog insurance

Trustpilot 5 stars

Julia Light’s story

July 2019

I have had Petplan for the life of my dog. I have never had any problems with the claims that were presented and there had been a few - Dislocated knee, cruciate ligament, stomach problems. I would recommend Petplan to anyone who wants peace of mind for their pet!

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